Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.4 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 11.9. A current level of 2.4 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Comm re (39%), comm loans (21%), securities (14%), cash (13%), home mtgs (4%), home eq lns (1%), other (7%)
States with Branches:
FL, IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Belmont Financial Group, Inc.
Investment Rating
--
Address
8250 West Belmont Avenue
Chicago, IL 60634
Chicago, IL 60634
Phone Number
(773) 589-9500
Year Founded
2006
FDIC Number
Website
Largest Affiliates
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